As of Q4'25, UPST's EPS Surprise % stands at -0.02%, indicating that actual earnings per share were nearly in line with analyst expectations for the latest quarter. Meanwhile, the EPS Growth (YoY) for the same period reached 10.5%, reflecting a substantial year-over-year improvement. Reviewing the period from Q1'23 to Q4'25, the EPS Surprise % has shown considerable volatility, with notable negative surprises in Q2'24 (-0.56%), Q3'24 (-0.59%), and a sharp drop in Q4'24 (-7.5%), before rebounding to positive territory in 2025. In contrast, EPS Growth (YoY) has trended upward, moving from a significant decline in Q1'23 (-5.05%) to robust growth by Q4'25, with especially strong acceleration in the last two quarters. This suggests that while earnings surprises have been inconsistent, UPST's underlying earnings performance has improved markedly over the observed period.